25M, stable take home around $2.2k/week, no dependents, focused on long term sustainable wealth building. Most savings built since college are currently sitting in a former employer 401k (100% FXAIX), so I’m now rebuilding liquid reserves while optimizing next steps.
Current plan:
- Build 10k–12k HYSA first
- Aggressively fund current 401k (15% right now), which includes a 50% employer match up to the federal annual contribution limit
- Then decide between pushing 401k harder vs building taxable S&P 500 exposure (VOO)
- Systematically eliminate ~22k student loans and ~19k vehicle debt while continuing accumulation
Spending is disciplined, lifestyle creep is controlled, and goal is keeping things simple but aggressive.
Main question is whether this sequencing makes sense or if there are smarter ways to balance liquidity, debt payoff, tax advantages, and long term flexibility.